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Your Mortgage.  Your Choice.

Your mortgage journey begins with options.

Angela Ray
Mortgage Broker

Renewal/Refinance

Spousal Buyout

Low Credit Score

First Time Home Buyers

Self-Employed

Retirees

Investors

New to Canada

Custom Mortgage Solutions Tailored To Fit Your Financial Goals.

Friendly Professional Service

Experience a level of service that seamlessly combines professionalism with genuine friendliness. From our initial consultation and throughout the life of your mortgage, I strive to create a comfortable and inviting atmosphere where your needs are my top priority.

Rate Guarantee

Continuous monitoring of your interest rate throughout its lifespan ensures it remains consistently cost-effective for you.  Maintaining good mortgage health is essential for long-term financial well-being

Effortless Online Application

Experience the ease of an online application platform, complete with secure document upload. Apply from anywhere, effortlessly, and rest assured that your information remains confidential throughout the process.

Technology

Utilizing the most advanced technology ensures your paperless client experience is unmatched.  Streamlined online application, secure document portal, and a quick and simple online booking system.

Home Interior

Why use a Mortgage Broker?

Access to hidden rate deals not found elsewhere.

Vancouver Island

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Mayne Island Galiano Island

Victoria Comox Valley

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Sayward

Mt. Washington

Port Alberni

Qualicum Beach

Parksville

F
A
Q

What does a Mortgage Broker do?
What areas do you service?
How much does it cost to use a Broker?
Can a Broker get me the best rate?
Should I take the rate offered to me by my bank?
My bank said "No".  Do I still have options?

A Mortgage Broker is a licensed mortgage expert with a well-established network of lenders. My role is to find the most appropriate mortgage option for you. I do all the the research, make all the phone calls, submit the application, and handle all of the rate negotiations with the Lender, saving you time and money!

While my home base is in British Columbia, my expertise extends beyond provincial borders, allowing me to assist in securing mortgage financing throughout most of Canada.

My services are typically at no cost to you! My clients often secure superior rates and lending terms compared to those who approach banks or credit unions directly. I am compensated by lenders through a commission, typically ranging from 0.5% to 1% of the total mortgage amount, but rest assured, this does not have a negative impact on your rate. I earn my commission only after successfully arranging your mortgage.

Securing the best rate for you is top priority! As a broker, I have access to a wide network of financial institutions, including major banks, credit unions, trust companies, mortgage-only lenders, private funds, and more. Beyond just finding you a great rate, I can also assist you in navigating hidden costs that might catch you off guard but can significantly affect the overall cost of your mortgage.

Borrowers should carefully consider not accepting the rate offered by their lender for several reasons. First, lenders may not always provide the most competitive rate available in the market, potentially resulting in higher costs over the life of the loan. Second, exploring other options allows borrowers to compare rates and terms from multiple lenders, ensuring they find the best deal tailored to their specific financial situation. Lastly, negotiating or seeking alternative offers can lead to significant savings and better loan terms, making it a prudent choice to explore all available options before making a decision.

Yes, absolutely! It's crucial to reach out to a mortgage broker in this situation. While your bank may have declined your application, a mortgage broker has access to a wide network of lenders and can explore alternative options that may still be available to you. Brokers can help you navigate the complexities of the mortgage market, potentially finding a lender who is willing to work with your unique financial circumstances. So, even if your bank has said no, there are often still options available, and a mortgage broker can help you find them.

Podium with Hearts and Balls
Kind Words From My Clients:
Podium with Hearts and Balls

"Angela is an absolute gem. She helped secure a mortgage for me when others could not, and make the process so easy. She made sure any concerns were addressed, and found the best possible rates and terms for my needs. I would highly recommend Angela with no hesitation."

Timberly Williams

Misty Slopes
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About Me.

With over 30 years immersed in the Residential Real Estate Industry, my professional journey has uniquely crafted me into an outstanding Mortgage Professional.

Whether you are purchasing your first home or your tenth, looking to refinance, or considering real estate as an investment, I have the knowledge and expertise to guide you through this experience, start to finish.

 

During my downtime, you'll often catch me embarking on adventures along the myriad of backcountry trails that wind through the picturesque landscapes of Vancouver Island. Trekking through dense forests, traversing rugged terrain, and soaking in the breathtaking views from lofty peaks allows me to return to my professional endeavors with renewed energy and perspective.

Proud Supporter of:

Victoria Harbourcats Baseball Club
The Vancouver Island Trail Association
Pender Island Pride Society
Habitat for Humanity (Victoria)
Gulf Islands Summer Comedy Festival

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